Payments to and from abroad

You can find your own IBAN number on your account statement, in the online bank under 'Account terms and conditions' or by using the IBAN calculator.

The bank's address is: DNB, PO Box 1600 Sentrum, 0021 Oslo

IBAN (International Bank Account Number) is an international standard for bank account numbers.

BIC stands for Bank Identifier Code and is a code that identifies a specific bank. This is also called SWIFT.

If you have received an invoice, you should find both IBAN and BIC/SWIFT there. Alternatively, you can contact the person or organisation you need to pay.

The converted amount and the exchange rate you were given in the online bank are provisional calculations, and are provided so that you have a better opportunity to detect errors when entering the amount. The payment is converted at the exchange rate (market rate) that applies at the time it is processed in our international payment system.

The US, Canada, Australia and South Africa have not adopted IBAN.

When you need to pay to the US, you are often asked for a nine-digit number called a Routing number, ABA or FedWire. This number identifies the recipient's bank. You must contact the recipient to obtain this.

You must therefore provide the recipient's regular bank account number in addition to the bank's code.

USD to the US

In addition to the recipient's account, a national bank code (Fedwire or ABA number) must be provided.

Other currencies to the US:

In addition to the recipient's account, a BIC (SWIFT address) must be provided

Canada, Australia and South Africa

In addition to the recipient's account, both a BIC and a national bank code must be provided.

Canada has a nine-digit bank code.

Australia has a six-digit bank code (on invoices this is often stated as a BSB number).

South Africa has a six-digit bank code.

The requirements for sending roubles apply not only to Russia, but regardless of the recipient country.

The following must be provided when paying in RUB

If digits six, seven and eight in the recipient's account number are 810, this means that the account is a RUB account.

In addition to the recipient's full name, the INN number must be provided when paying taxes and duties to Russian authorities. The INN is recommended for other payments if this number appears on the invoice that must be paid. This is a unique taxpayer identification number (Identification Number of the Tax Payer), 10 digits for a company and 12 digits for an individual.

Furthermore, the BIK (nine-digit bank code for the bank in Russia starting with 04) must be provided, plus the account number that the recipient's bank has with the Russian central bank. This account number is 20 digits and starts with 30101. We also need the BIC (SWIFT address) for the bank, plus the bank's full name and city.

A VO code must also be provided, plus text in English stating what the payment is for. The VO code is a reporting code that indicates what the payment relates to. If it is unclear which VO code must be used, DNB has been informed that it may be acceptable without one. In that case, the purpose of the payment must be stated in English in the reference field. This means that, for example, Invoice no.xxxx alone is not sufficient

The VO code is a reporting code that indicates what the payment relates to. If it is unclear which VO code must be used, DNB has been informed that it may be acceptable without one. In that case, the purpose of the payment must be stated in English in the reference field. This means that, for example, Invoice no.xxxx alone is not sufficient

The payment must be entered in this way:

Recipient's account number: 4xxxx810xxxxxxxxxxxx

Recipient's name: Full name + INN number (if applicable)

Message to recipient: VO number + text in English stating what this payment is for

BIC of recipient's bank: For example SABRRUMM

Field for recipient bank's name and address: RUxxxxxxxxx.30101xxxxxxxxxxxxxxx + the bank's name and city (What follows RU is the BIK code of 9 digits, then the account number that the recipient's bank holds with the Russian central bank).

• International sanctions regulations may prevent payments to certain countries from being completed. Sanctions may target individuals, companies, goods, services, specific sectors and/or geographical areas, etc.
• You are responsible for ensuring that the payment does not breach sanctions regulations and for carrying out the necessary checks. An overview of Norwegian regulations can be found here: Export control
• Norwegian entities must also observe US sanctions regulations whenever the activity involves a US person, import or export of goods with US content or origin, or if a transaction is made in US dollars (USD). An overview of US regulations and the search page can be found here: Sanctions Programs and Country Information and Sanctions List Search
• At present, it is particularly important to focus on transactions to the following countries/geographical areas: Iran, North Korea, Russia, Crimea, Sevastopol, Kherson, Luhansk, Donetsk and Zaporizhzhia, Cuba, Libya and Sudan.

To activate payments abroad, you must log in to the full version of online banking. Then select Everyday banking and Loans - Pay abroad.

Fill in the activation form - and you are ready to pay